一、业务介绍

“fenqiqingsonggou”shizhongguoyinxingweixinyongkachikarentebiedingzhidefenqifukuanfangshi：ninzhixuxiaofeimanyidingjine，bingzaizhidingriqiqianzhidian24xiaoshifuwurexian40066-95566，jikeshenqingjiangputongxiaofeizhuanweifenqifukuan。

fenqiqingsonggou·xiaofeifenqi：

jiaoyirihouzhizuijinyiqizhangdanri2tianqianzhidian，jikeshenqingjiangdanbi600yuan（han）yishangdeputongshuakaxiaofeijiaoyizhuanweifenqichanghai。

fenqiqingsonggou·zhangdanfenqi：

zhangdanrihouzhidangqizhangdanhaikuanri2tianqianzhidian，jikeshenqingjiangdangqizhangdanrenminbixinzengshuakaxiaofeijinezhuanweifenqichanghai。meiqizhangdanshenqingzhangdanfenqidejinexuweizhengshu，zuidiweirenminbi1,000yuan，zuigaobuchaoguodangqizhangdanxinzengshuakaxiaofei（buhanyujiexianjin、fenqifukuanjiaoyiyijiqitabenxingzhidingdejiaoyi）zongede90%。

二、业务特点

buxiandiyu~ buxianshangpin~mianchulixi~chaodishouxufei~fenqijinegengyoushuangbeijifen!fenqiqingsonggou，rangninxinyuanqingkeshixian!

·renyi——shenqingbushouxiaofeishanghuheshangpinxianzhi。

·zizhu——3、6、9、12、18、24qifenqi，rangninzizhuxuanze。

·chaozhi——mianshoulixi，meiqizuidi0.6%dechaodifeilv，fenqijinehaixiangshuangbeijifen。

fenqishouxufeilvbiao：

温馨提示：分期手续费将在首期一次性收取，一经收取不予退还。本费率表将根据市场情况适时调整。

·bianjie——zhidian24xiaoshikefurexian40066-95566，suishikeyibanli。

·qingsong——fenqijinetongyangshiyongmianxihaikuanqihezuixiaohaikuaneguiding。

“分期轻松购”的分期扣账，采取月均等额扣账款的方式，取整入账。当总金额无法整除期数时，剩余金额全部加总在首次入账金额中进行扣账。

如：张先生购买家电消费1210元，采用12个月分期，则首期扣款金额为110元，后十一期的扣款金额相同，都为100元。最低还款额首期为11元，以后每期为10元。

三、业务流程

wenxintishi：fenqiqingsonggou·zhangdanfenqihaiketongguoivryuyinxitongzizhubanli，rangninqingsongfenqiwudenghou!banlizhixuboda40066-95566xuanze“3.chikarenfuwu”—>“7.fenqifukuanjichaxun”—>“3.zhangdanfenqi”houanyuyintishicaozuojike。

四、适用卡种

1、zhongyinxiliexinyongka

2、xinyidaizhangchengrenminbixinyongka。（fushukadexiaofeijiaoyiyikebanli“fenqiqingsonggou”，gongwukazanbutigongcifuwu）

五、Q&A

1、shenmekakebanli“fenqiqingsonggou”yewu？

zhixuninchiyouzhongguoyinxingzhongyinxiliexinyongka、jixinyidaizhangchengrenminbixinyongka，wulunzhufukajiekeshenqingbanli。dangongwukazanbutigongcifuwu。

2、fenqiqingsonggou”yewunengfenduoshaoqi？

muqian，zhongguoyinxingtigong3、6、9、12、18、24defenqiqishu，meiqiweiyigeyue。

3、“fenqiqingsonggou”meiqifenqijinedekouzhangyuhaikuanshijianruheanpai？

chenggongshenqing“fenqiqingsonggou”hou，zhongguoyinxingjianggenjuyuedingdefenqiqishuzaizhanghuduizhangdanrijiangmeiqihaikuanjinekouzhangbingjiruzhanghu，shenqingchenggonghou，fenqiqishubunenggenggai。

ninxuzaimeiyuedaoqihaikuanriqiananqifukuan，zhizhifuqingquanjiakuanweizhi。ruweiquanehaikuan，lixi、zhinajindengjishouguizetongyibanxiaofeijiaoyi。（shenqingzhangdanfenqichenggonghou，dangqizhixuzaidaoqihaikuanriqianchanghaikouchuzhangdanfenqijinehoudeshengyuzhangdanjine。runinzaishenqingchenggonghouweinenganshiquanbuchanghaidangqishengyuzhangdanjine，dangqizhangdanjiangshiweiweiquanehaikuan。）

runinchanghaimeiqizhangdanyinghaijinehourengyouduoyukuanxiang，jiangbuhuitiqianqingchangfenqishengyuweihaibenjin。

4、“fenqiqingsonggou”defenqifukuanxinyongeduyouduoshao？

ninfenqifukuanedudengtongyuxinyongedu，binggongxiangxinyongedu。waibizhanghu、linshitie、daifangyuedoubunengjirufenqifukuanedu。zaininchanghaimeiqikouzhangdefenqifukuanjinehou，xitongjianganhaikuanjinezidonghuifufenqifukuankeyongyue。

5、fenqishouxufeiruheshouqu？

fenqishouxufeijiangzaichenggongbanli“fenqiqingsonggou”yewuhouyicixingshouqu，yijingshouqubuyutuihai。

6、fenqifukuandejiaoyijinekeyijirumeiyuedezuidihaikuanema？

keyi。meiyuedaoqiruzhangdefenqijiaoyijineshitongputongjiaoyiruzhang，anmeiqifenqijiaoyikouzhangjinede10％jirudangyuezuidihaikuane，bingkexiangshouxunhuanxinyong。

7、hezhongqingxingbukeyishenqing“fenqiqingsonggou”yewu？

waibijiaoyi、quxianjiaoyi、zhuanzhangjiaoyi、fenqikouzhangjiaoyi、feiyong、lixidengbukejinxingfenqi；feidangqizhangdandexiaofeijiaoyi、yihaikuanhuoyifenqidedangqizhangdanxiaofeijiaoyibukeshenqingzhangdanfenqi。

kapianhuozhanghuchuxianyichangzhuangtaishi，jiangbuyunxushenqingfenqifukuan。linshidiaogaodexinyongeduhezhanghudecunkuanyuebunengyongyufenqifukuanjiaoyi。

8、fenqijinexiangshuangbeijifenzhishenme？

zhishenqingfenqichenggonghouyuanjiaoyijifenbuyuchongjian（chefang、gongyileixiaofeiyuanjiaoyiwujifen），tongshimeiqifenqikouzhangjinejiangshitongputongxiaofeizaijiyibeijifen。

9、shenmeqingkuangxiahuishi“fenqiqingsonggou”dejiaoyitiqianjieqing？

weibuyingxianghaikuanyiwudezhengchanglvxing，runinyuqidadao60tianhuoninzhudongtichuxiaohu，zesuoyoushengyuweihaifenqibenjinjiangshiweiquanbudaoqi，zhongguoyinxingjiangzhudongbafenqishengyuyuequanbuyicixingjiruzhanghu，cishininyingdangyicixingchangqingquanbushengyukuanxiang。

10、youguanxiaofeigouhuoshangpincunzaizhengyiruhechuli？

runinyushanghujianjiushangpinzhiliang、songhuo、shouhoufuwudengshiyifashengzhengyi，qingzhijieyushanghuxieshangchuli。ruxieshanghoufashengtuihuochuli，yichenggongbanlidefenqiyewujiangbushouyingxiang、jixuzhengchangshiyong。